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86 Leading San Francisco Fintech Startups Founded in 2020 & 2021

This article showcases our top picks for the best San Francisco based Fintech companies. These startups and companies are taking a variety of approaches to innovating the Fintech industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top San Francisco Fintech Startups

Data sourced from Crunchbase and SemRush.

Collective

Collective

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Collective provides financial concierge services for self-employed people and businesses.

Alt

Alt

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Alt is an alternative asset platform that allows people to buy, sell, and store sports cards.

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Highnote

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Highnote is the world’s most modern card platform, purpose-built to grow customer loyalty, engagement, and revenue.

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TrueFi

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TrueFi is the ultimate DeFi uncollateralized lending protocol

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Fei Protocol

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Fei Protocol is a direct incentive stable coin which is undercollateralized and fully decentralized.

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Valora

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Valora is a mobile peer-to-peer payments and remittance app built on the Celo platform.

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Figure

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Figure is a compensation platform that helps companies figure out how to pay their employees by making data driven decisions.

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Lendtable

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Lendtable provides income-constrained individuals with wealth-building cash advances.

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Runway

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Runway is a ground up rethink of the role of financial data inside modern businesses.

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Sifchain Finance

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Sifchain is the world’s first omni-chain decentralized exchange (DEX) for digital assets.

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Anzen

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Anzen is a management insurance and operations tool using real-time HRIS and SaaS integrations to identify and avoid management risks.

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Sardine

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Sardine provides fraud prevention as a service solution for the digital economy.

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Risk Harbor

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The only objective risk management marketplace for decentralized finance (DeFi).

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Sanlo

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Vertically-focused platform of financial services for the gaming & app companies

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Finley Technologies

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Finley is a YC- and Bain Capital Ventures-backed company that helps companies streamline debt capital raise and management.

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HamsaPay

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HamsaPay provides solutions for the B2B e-commerce payments market.

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Caplight

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Caplight is a platform that enables institutional investors to buy and sell derivatives of private equity.

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Synctera

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Synctera is a FinTech-as-a-Service platform that connects financial institutions with fintech companies.

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Citadel – Payroll APIs

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With Citadel, users can easily connect their payroll account and instantly verify employment, income, and identity.

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Front Finance

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Front is the ultimate investment platform powered by Front Score technology. Get our free app for iOS & Android. GetFront.com

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ModernTax

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ModernTax is API platform that democratizes access to tax records for business services companies.

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BlueTape

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BlueTape is a payment and financing platform for the construction industry.

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Polkaswitch

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A decentralized multi-chain liquidity protocol on Polkadot, Ethereum, and top layer 1 & 2 blockchains.

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Ready

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Ready makes software that helps local internet service providers connect more subscribers to better broadband services.

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Deep Discovery

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Artificial intelligence for fighting global corruption

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SmartDeFi

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SmartDeFi is a non-custodial robo-investment app for decentralized finance.

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Inclined Technologies

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Inclined pioneers a new form of lending in a large and vastly underserved market.

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Karus

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The AI Engine for Auto Finance

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Atomic

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Atomic is a provider of personalized investment management services that lets companies embed investment accounts into their services.

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6figr.com

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All about Career & Money – We predict future Employability, Earning potential & Unemployment risk using AI.

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Flaist

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Flaist is the easiest and fastest way for banks to power digital initiatives. #WeFintechifyBanks

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Cryptiswap

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CryptiSwap© is a Non-Custodial CryptoCurrency exchange/swap service | no registration | no holds | no third party

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Sperta

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Sperta provides a risk decision platform for financial services and tech companies.

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SIREN

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SIREN is a distributed protocol creating a decentralized blockchain exchange for options trading on Ethereum.

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Loanbase

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Commercial Lending Made Simple

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Arnie

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Make your 401k work for you and the world

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Contora

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Alternative data for retail traders

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Finch

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Finch is the universal API for Payroll and HR

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Parafin

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Parafin is a capital as a service platform for fundraising activities.

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Dots

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Dots is a multichannel payouts API that automates manual processes for marketplaces.

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Equi

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The future of alternative investments. Invest in the best alternative investments in the world, $100M net worth no longer required.

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Better Tomorrow Ventures

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Better Tomorrow Ventures (BTV) is an early stage fintech focused fund that leads rounds in pre-seed and seed-stage companies globally

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Bay1

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BAY1 is an issuance and acquiring platform that connects businesses and merchants to a virtual payments platform.

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Sivo

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Sivo provides debt as a service. Our API allows companies to access debt funding and lend money to their users at scale.

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Chamaeleon

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early stage venture capital firm based in Silicon Valley investing globally

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FarmRaise

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FarmRaise is a digital platform that offers financial resources for farmers and ranchers to make on-farm improvements.

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Staax

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Staax is a mobile app that lets you pay and get paid from peers with fractional share stock.

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Miter

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Miter leverages breakthroughs in B2B payments technology to build HR and financial software for construction firms.

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MoneyHash

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MoneyHash provides access to payment and fintech services across the Middle East & Africa with one simple integration.

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SavingsOak

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Save Today. Invest in tomorrow.

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ZeFi

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ZeFi is an alternative to high yield savings account. It lets users earn up to 8% APY on their deposits and spend with a debit card.

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Funden

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Funden is the first AI-powered platform to scout startup investors and Venture Capital firms.

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Telivy

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Telivy empowers SAAS platforms and insurance agencies with an embedded multi-carrier cyber insurance solution.

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Sidepocket

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Sidepocket combines tactical investment strategies that generate returns by automatically rebalancing the money into assets that outperform.

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Lumen

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Financing for Airbnb hosts!

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Ennerate

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Ennerate automates business valuations for small and medium businesses.

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Lenco

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Lenco is a Neobank that makes current bank accounts and tools for SMEs to grow in Africa

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Intrepid Technology

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Social commerce platform built for entrepreneurs and creators

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xToken

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xTokens are ERC20 wrapper tokens for staking, governance and liquidity strategies. Find out more on creating an erc20 token.

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Levro

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Levro is a financial technology company.

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Paymobil

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Paymobil is a mobile app where users can send and request money anywhere in the world in seconds.

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Defi Pay

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Defi Pay provides a crypto payment network that allows for instant, low-fee, and low-volatility payments.

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CoinCentre

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CoinCentre is an ecosystem that enables consumers and traders to transact digital currency.

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Federato

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Federato provides an underwriting platform for insurance companies.

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Qinta

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Self-driving wallet for the global citizen

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Vesti Social

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The social network and chat app for investors.

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Xspaced

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Flexible rent and security deposit payments.

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Eazifunds

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Eazifunds is World’s easiest payment platform for all types of businesses.

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Cohere

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Innovating at the intersection of FinTech, Social Media, and Augmented Reality

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Checkmate Savings, Inc

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One-click checkout that enables users to compound discounts for eCommerce purchases

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Paperclip

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The accounting solution for startups.

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Klorah

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Payment handling for creative freelancers/gig workers

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7GC & Co. Holdings

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7GC & Co. Holdings is a special purpose acquisition company formed through the partnership between 7GC and Hennessy Capital.

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Splyt

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Splyt makes it easy for people to share money and pay together.

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Hyperseed

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Hyperseed is the no-code platform for finance professionals.

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Level

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Level is a fintech financing platform that buys loans from fintech startups helping them gain access to capital to scale faster.

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Startup Falcon

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Startup Falcon is a valuation calculator tool for early-stage startups.

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Allawee

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Mobile Credit Builder & Credit-Data-as-a-Service

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Fortunately

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Fortunately is a financial planning tool that gives the knowledge, confidence, and control to make the most of money.

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MaxInt

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Cash management App

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Zimius

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SaaS Financial Projection for Small Businesses

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Centsibly

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Centsibly is a personal finance app that gives you unmatched flexibility and control over how you track your money.

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Galaxy Financial

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Instant payouts for SMEs

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Drei Sigma LLC

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Financial Consultant performing market forecasts using quantitative analysis and machine learning.

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Front

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Front offers stock analysis & other strategic investment tools to help you become a better investor.

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Onsa

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Onsa applies blockchain technology and machine learning to create access to new digital currencies.

Written by Tenner Smith

Tenner Smith - I have experience in financial intelligence and automated intelligence. In industry I have worked on artificial intelligence and machine learning. Tenner Smith is a reporter at DF media.

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